Oportun Financial Statistics
Total Valuation
OPRT has a market cap or net worth of $343.06 million. The enterprise value is $2.87 billion.
| Market Cap | 343.06M |
| Enterprise Value | 2.87B |
Important Dates
The last earnings date was Wednesday, August 5, 2026, after market close.
| Earnings Date | Aug 5, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
OPRT has 45.99 million shares outstanding. The number of shares has increased by 11.22% in one year.
| Current Share Class | 45.99M |
| Shares Outstanding | 45.99M |
| Shares Change (YoY) | +11.22% |
| Shares Change (QoQ) | +1.85% |
| Owned by Insiders (%) | 6.27% |
| Owned by Institutions (%) | 70.36% |
| Float | 31.90M |
Valuation Ratios
The trailing PE ratio is 18.57 and the forward PE ratio is 4.13.
| PE Ratio | 18.57 |
| Forward PE | 4.13 |
| PS Ratio | 0.46 |
| Forward PS | 0.35 |
| PB Ratio | 0.84 |
| P/TBV Ratio | 1.01 |
| P/FCF Ratio | 0.81 |
| P/OCF Ratio | 0.81 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 147.09 |
| EV / Sales | 3.85 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 6.81 |
Financial Position
The company has a current ratio of 51.13, with a Debt / Equity ratio of 6.54.
| Current Ratio | 51.13 |
| Quick Ratio | 49.68 |
| Debt / Equity | 6.54 |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.32 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.98% and return on invested capital (ROIC) is 0.93%.
| Return on Equity (ROE) | 4.98% |
| Return on Assets (ROA) | 0.62% |
| Return on Invested Capital (ROIC) | 0.93% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 1.24% |
| Revenue Per Employee | $299,016 |
| Profits Per Employee | $7,831 |
| Employee Count | 2,488 |
| Asset Turnover | 0.24 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OPRT has paid $20.51 million in taxes.
| Income Tax | 20.51M |
| Effective Tax Rate | 51.28% |
Stock Price Statistics
The stock price has increased by +16.20% in the last 52 weeks. The beta is 1.20, so OPRT's price volatility has been higher than the market average.
| Beta (5Y) | 1.20 |
| 52-Week Price Change | +16.20% |
| 50-Day Moving Average | 6.27 |
| 200-Day Moving Average | 5.46 |
| Relative Strength Index (RSI) | 60.31 |
| Average Volume (20 Days) | 510,451 |
Short Selling Information
The latest short interest is 1.48 million, so 3.23% of the outstanding shares have been sold short.
| Short Interest | 1.48M |
| Short Previous Month | 1.54M |
| Short % of Shares Out | 3.23% |
| Short % of Float | 4.65% |
| Short Ratio (days to cover) | 3.32 |
Income Statement
In the last 12 months, OPRT had revenue of $743.95 million and earned $19.48 million in profits. Earnings per share was $0.40.
| Revenue | 743.95M |
| Gross Profit | 708.52M |
| Operating Income | 58.73M |
| Pretax Income | 39.99M |
| Net Income | 19.48M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.40 |
Balance Sheet
The company has $139.59 million in cash and $2.66 billion in debt, with a net cash position of -$2.52 billion or -$54.86 per share.
| Cash & Cash Equivalents | 139.59M |
| Total Debt | 2.66B |
| Net Cash | -2.52B |
| Net Cash Per Share | -$54.86 |
| Equity (Book Value) | 407.13M |
| Book Value Per Share | 8.86 |
| Working Capital | 2.91B |
Cash Flow
| Operating Cash Flow | 420.95M |
| Capital Expenditures | n/a |
| Depreciation & Amortization | 1.25M |
| Net Borrowing | -129.40M |
| Free Cash Flow | 420.95M |
| FCF Per Share | $9.15 |
Margins
Gross margin is 95.24%, with operating and profit margins of 7.89% and 2.62%.
| Gross Margin | 95.24% |
| Operating Margin | 7.89% |
| Pretax Margin | 5.38% |
| Profit Margin | 2.62% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 56.58% |
Dividends & Yields
OPRT does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -11.22% |
| Shareholder Yield | -11.22% |
| Earnings Yield | 5.68% |
| FCF Yield | 122.70% |
Analyst Forecast
The average price target for OPRT is $9.60, which is 28.69% higher than the current price. The consensus rating is "Buy".
| Price Target | $9.60 |
| Price Target Difference | 28.69% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | 14.49% |
| EPS Growth Forecast (3Y) | 21.18% |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 6 |